Blue Collar Wealth

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178. P&G Retirement: What to Lock In Before Year-End

If you work for P&G and you’re getting close to retirement, a few decisions need to be locked in before this calendar year ends — not next year. In this episode of Blue Collar Wealth, advisors Mike Cravath and Chad Taake walk through what actually tips the December-versus-spring retirement decision, the one budget question you need to be able to answer before picking a date, and the 401(k), Roth, and benefit-election deadlines that reset on January 1. They also cover the one P&G-specific detail that can’t be fixed after the fact if you miss it.

What We Cover in This Episode:

What could tip your decision between retiring in December or waiting until spring
The one budget question to answer before you lock in a retirement date
What a Monte Carlo analysis actually tells you about your plan
401(k) Roth vs. traditional contribution moves to make before year-end
Keeping an eye on P&G stock concentration and rebalancing
Roth conversion timing, and why it has to happen before December 31
The retiree health insurance deadline that catches people off guard
NUA distributions (Net Unrealized Appreciation) — the one deadline that can’t be undone next year
The conversations to have with your spouse and your advisor before you set a date

Who This Episode Is For:

P&G employees within a year or two of retirement
Spouses and family members planning the decision together
Anyone weighing a December retirement against waiting until spring

If this conversation raises questions about your own P&G retirement timeline, start with our free P&G Retirement Checklist. If you’re near the Mehoopany, PA plant, join us at one of our upcoming seminars in Tunkhannock. And if your plant isn’t nearby, let us know — we’re happy to bring a seminar closer to you.

P&G Retirement Checklist: RetireFromSchool.com/checklist

P&G Seminars for Mehoopany, PA Plant Employees — Sept. 30 & Oct. 7, 2026, Players Pub at Shadow Brook, Tunkhannock, PA: pgretire.com/mehoopany

Disclosure:

Stone House Investment Management, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Informational only; not investment, tax, or legal advice. All investments involve risk, including possible loss. Scheduling a meeting or attending a seminar does not create an advisory relationship.

Stone House and its representatives are not affiliated with or endorsed by Procter and Gamble (P&G). P&G is a registered trademark of Procter and Gamble.